JOUR 330 Research Paper Example | Topics and Well Written Essays - 2000 words

JOUR 330 - Research Paper Example The video (viewer discretion advised due to graphic content) shows the CEO and his hunting party looking over a farmer's damaged crops, shooting at elephants at night, and Parsons posing with the dead bull. It also shows crowds of villagers field dressing the carcass the next morning.† (Burgess, 2011) Perhaps because the image recalled African safaris of the robber barons of late 19th century capitalism and the archaic, out of touch, and even barbaric behavior of the â€Å"super-rich,† bloggers around the world wrote articles protesting this, and thousands of customers cancelled accounts with GoDaddy. The company’s competitors took advantage of this, issuing free transfer and discount coupons for people who wanted to switch their business away from GoDaddy. This situation can be regarded as a case example in public relations because Bob Parsons illustrates exactly what not to do when media problems occur for a company. His actions, statements, and behavior in resp onse to the first controversy arguably made the situation even worse for him and his company in the public relations context. While the company claims it has not lost much business from this, the story will undoubtedly remain linked to the brand and competitors will continue to take advantage of this. To some degree, Parsons may have been overdue for a PR breakdown, because his company is known for a particular marketing campaign that is based on a certain amount of â€Å"sleaze†. Yet, for a company that once hoped to go public through an IPO, having the CEO of the company labeled this way in the mainstream press is very problematic. Consider that major media publications such as CNN, Salon, the New York Times, The Guardian, etc. all ran major articles on the story, and kept it active with update reports. In PR, the goal is for the problem to be out of the news cycle and out of discussion as soon as possible. When mainstream media repeat a story such as this over and over, it does continual damage to the brand and its credibility. For most people, the killing of an elephant is really a blatant act of stupidity, cruelty, and arrogance. That Bob Parsons defended his behavior immediately inflamed the situation. For example, instead of apologizing publicly, Parson conducted media interviews where he said: "These people have literally nothing and when an elephant is killed it's a big event for them, they are going to be able to eat some protein. This is no different than you or I eating beef. All these people that are complaining that this shouldn't happen, that these people who are starving to death otherwise shouldn't eat these elephants, you probably see them driving through at McDonald's or cutting a steak." (McCarthy, 2011) What Parsons did not critically understand is the fact that indeed millions of people do think and care deeply about issues such as environmental protection, endangered species, as well as the social justices issues related to hunger and global poverty. To compare eating an elephant to a problem for African starvation is simply a ridiculous justification. Salon critically notes that the original video Parsons posted included â€Å"captions to the nighttime scene that read ‘Bob Parsons fires first’ and ‘Bob Parsons fir

Biological Effects of Methamphetamines Essay Example for Free

Biological Effects of Methamphetamines Essay Methamphetamines affect the human body in a physical and neurological and psychological way. The use of meth can lead to devastating effects to the nervous system for example leaving the user with nervous ticks and body jerks similar to a person suffering from Parkinson’s disease. On a physical level, the user may show skin sores and tooth decay. Last but the not least, the user may develop psychosis including hallucinations and paranoia. Not limited to the self destruction a user will suffer, the family and/or loved ones will also suffer the effects of methamphetamines. Family will suffer, but mostly the children are the ones who will be left alone to deal with this drug that has swept the nation. I will talk about the devastating effects to the family. Methamphetamine is a stimulant drug that affects the abuser physically, psychologically, and neurologically. The history of methamphetamines dates back to 1887 when it was first developed by the Germans. The abuse of amphetamines can be logged back to when the Germans and Japanese would give their factory workers and their soldiers the drug to keep them alert during WWII. The method they used to produce the drug became known as the Nazi or Birth method†. (Meth Awareness and Prevention Project of South Dakota [MAPP-SD], 2000, para. 1) For many years, it was considered a drug in search of a disease because it was not developed for any one particular cure. It wasn’t until 1920 when it was being researched more seriously and then started being used as medication from antidepressants to anti-congestants. Later in the 1930’s it was being sold as Benzedrine, as a nasal spray for congestion. By 1937 amphetamine began to be sold as medication in a tablet form. It is believed that during the â€Å"Great Depression†, because of all the hardship people were going thru, and the availability and easily prescribed drug helped facilitate and/or encouraged the abuse of amphetamines. By 1919, Japan started producing methamphetamine which was cheaper and more potent than amphetamine. It was produced in a crystalline powder form and was able it to be dissolved in water, making it easier for it to be injected. This form of amphetamine is still legally produced in the US and is being sold under the name of Desoxyn. Montgomery County Sheriff’s Office, 2010, para. 1-3) The abuse of methamphetamines in the United States seems to have started during the â€Å"Great Depression† and increased during WWI, WWII, and Viet Nam. Many times, amphetamines were prescribed by the government and the military to keep fighting soldiers going. After returning from their tour of duty, many soldiers returned home addicted to the drug. Also during the 5 0’s and 60’s, amphetamines were being used as a weight loss medication. But eventually began to be abused by the users. Today, methamphetamines are abused throughout the US. It has spread like wildfire, starting on the West Coast. Today, meth does not discriminate and will affect every race, culture, age, and socio economic level. Meth users range from the most prestigious political figures, all star athletes, famous celebrities, re-known musicians, honest business men/women, respectable housewives/husbands, honor students, to your street drug dealers and junkies. Many truck drivers and bikers are notorious for abusing meth. They used an old slang term and called them co-pilots because it would keep them up on long road trips. Methamphetamine is taken by snorting it, ingesting it orally, smoking it, or injecting it intravenously. Meth is most commonly found in a crystal form. It’s most common street names are: crystal, speed, ice, and crank. Once taken, meth will give the user a rush or euphoria with the following symptoms; â€Å"†¦increased wakefulness, increased physical activity, decreased appetite, increased respiration, rapid heart rate, irregular heartbeat, increased blood pressure, and hyperthermia†. National Institute on Drug Abuse [NIDA], n. d. , para. 6). The effects of methamphetamine has on the central nervous system or CNS, will include irritability, insomnia, confusion, paranoia, and aggressiveness. Since it is known that it is difficult for nerve cells to be regenerated after having been damaged, it is a clear indication that use of this drug—in small or large qua ntities—cause irreversible damages in the CNS. In clinical researches, it is found that individuals who have a long history of methamphetamine abuse have reduced levels in dopamine transporters, which are associated with slowed motor skills and weakened memories in the individuals. Abusers who remained abstinent for at least nine months were found to have recovered from damage to their dopamine transporters, but their motor skills and memories were not found to have significantly recovered. Over time abusers of meth appear to cause reduced levels of dopamine, which can result in symptoms like those of Parkinsons disease. They will have uncontrollable jerking and twitching. Asides the harmful damage to the CNS and brain, the abuser may also develop psychotic-like behavior or also known as type-two schizophrenia, which include bizarre behavior and hallucinations, both audible and visual. Anxiety, emotional swings, and paranoia are the most common psychological effects due to chronic use of meth. Symptoms increase with long-term use, and can involve paranoid delusions and hallucinations. Violence and self-destructive behavior are common. Pellowski, 2000) One of the most striking effects of meth is the change in the physical appearance of meth users. The physical effects of meth include skin sores, tooth decay, aging of the skin, and lack of hygiene. Because the use of meth causes the blood vessels to constrict, it cuts off the steady flow of blood to all parts of the body. Heavy usage can weaken and destroy these vessels, causing tissues to become prone to damage and inhibiting the bodys ability to repa ir itself. Acne appears, sores take longer to heal, and the skin loses its luster and elasticity. Some users are covered in small sores, the result of obsessive skin-picking brought on by the hallucination of having bugs crawling beneath the skin, a disorder known as formication. These sores develop as the body is only able to dispose of 10% of the chemicals in meth. The rest of the chemicals are then forced out of your body by its natural defenses and is emitted through the skin. This chemicals form and leave behind small red bumps on the skin and the user will then start picking and scratching these bumps thinking they are small parasites under their skin. This picking will cause open sores, infections, and scarring of the skin. (Sheff, 2008) A common sign of meth abuse is extreme tooth decay, a condition that has become known as meth mouth. . Meth users with â€Å"meth mouth† have blackened, stained, or rotting teeth, which often cant be saved, even among young or short-term users. The exact causes of meth mouth are not fully understood, but it is believed that the chemicals used to produce meth may attribute to the tooth decay. Another possibility is the lack of hygiene. Many meth users will not worry about brushing their teeth or flossing when all their worries are on their next fix. In Arizona alone, meth is the second most abused drug of choice following alcohol. It is rapidly becoming the most devastating drug that is affecting everyone, not only the abusers. Family members suffer financially and emotionally as they see their loved ones being ravaged by the drug. They have to deal with the lies and deceit, and many times the abuse by the users. They are robbed of their securities and their possessions. Many children suffer neglect and abuse due to the parents using meth.

Iagos Character Exposed Through Language and Diction in Othello Essay

Iago's Character Exposed Through Language and Diction in Othello Everyone at some point in their lives attempts to convince someone to behave certain ways and to do specific things that ultimately will only benefit the person doing the convincing. Throughout the entire book, Othello, Iago attempts to convince numerous people in order to in the end only benefit and help himself. In this scene, Roderigo is explaining to Iago how he no longer wants to love because he is without Desdemona’s love. Iago then focuses on convincing Roderigo not only out of suicide, but also into getting Desdemona back. If Iago was unable to encourage Roderigo to go back after Desdemona, his plans would have been ruined. In lines 296-395, Iago uses many different uses of language in order to convince Roderigo to do what he wants him to do. One of the ways that Iago appeals to Roderigo through language is with the use of flattery. It is very apparent even from the beginning that Iago is trying to flatter Roderigo. A strong example of this flattery is seen in line 297, â€Å"What say’st thou, noble heart....

Debate 2nd Speaker LGBT

I’m the second speaker for the proposition team and our stand is transgender should be classified as the third gender. My first point is that transgender should be given a proper recognition in the society. Let’s be honest, there’s a good chance that you have not heard of Transgender Day of Remembrance. How often do we actually think about the â€Å"T† in LGBT? Over the years, there have been far too many cases of hate crimes that have been motivated by an individual’s sexual preference. Often, what prompt these crimes are motivations of fear and ignorance. Human sexuality is extremely complicated – how should one view the sexuality of a transgender person? If he or she are post-op, does that mean they’re still technically transgender? Well, one would have to say that all crimes committed against transgender men and women are motivated by homophobia (negative feelings/attitudes against LGBT). But is this necessarily the right view to view this subject? The Transgender Day of Remembrance started in the late 90s, and it is a day set aside to remember those members of the trans community who have been killed, murdered in the previous years for simply being trans or being perceived to be trans. One such case, being Rita Hester who was 34 years old when she was found dead in her apartment in 1998. This case was tragic for a number of reasons, not the least of which is the fact that it achieved less national attention than the murder of Matthew Shepard, which happened five weeks earlier (a white male). There are still many more questions that are unanswered, but what is certain is the effect these kinds of crimes have had on the LGBT community and what the lack of attention and action means. In conclusion, my team is clearly right in saying transgender should be classified as the third gender because they should be given a proper recognition in the society.

Training Report on Wholesale Banking Operation in Axis Bank.

REPORT ON SUMMER TRAINING OF Submitted to KCL-IMT (PTU) In partial fulfillment of the requirements for the award of degree of MASTER OF BUSINESS ADMINISTRATION Submitted by: Name of the student : KIRAN DOGRA Roll No: 1174251| Supervisor: Dr. SUKHMANI WARAICH Ass. prof. | DEPARTMENT OF MANAGEMENT KCL-IMT JALANDHAR BATCH-2011-2013 DECLARATIONI, â€Å"KIRAN DOGRA†, hereby declare that the work presented herein is genuine work done originally by me and has not been published or submitted elsewhere for the requirement of a MBA program me. Any literature, data or works done by others and cited within this research project has been given due acknowledgement and listed in the reference section. _______________________ (Student's name ; Signature) PREFACE Someone has rightly said that practical experience is for  better and closer to the real world then mere theoretical exposure. The practical experience helps the students view the real world closely, which in turn widely nfluences their  perceptions and argument their understanding of the real situation. Report work constitutes the backbone of any management education program me. A management student has to do report work quite frequently during his entire span. The report work entitle â€Å"WHOLESALE BANKING OPERATION OF AXIS BANK† aims to analyze various services and products provided by AXIS and for this purpose TANDA city have been chosen. CERTIFICATE This is to certify that the project work of Ms. KIRAN DOGRA on WHOLESALE BANKING OPERATION with AXIS BANK has been compiled under my supervision and guidance. _________________________ (Faculty Name ; Signature) ACKNOWLEDGEMENT I present this project report on â€Å"whole banking operations† IN AXISBANK LTD. , WARDHA with a sense of great pleasure and satisfaction. I undersign with pleasure take this opportunity to thank all those related directly or indirectly in preparation of this project report. I started working on this project under the invaluable guidance of Honorable Miss. Riddhi Deshpande mam for which I am very much thankful for her valued time given for the purpose. Without her co-operation our project work would have been difficult to complete.I express our sincere thanks to Mr. HITESH RAWAL, (Branch Manager) in Axis Bank Ltd. ,TANDA and staff in that organization. I am also thankful to Dr. INDERPREET SINGH sir [Director of our college] and Miss. sukhmani waraich [Project In charge] to allow us to carry out this project. I also thank all my friends who have more or less contributed to the preparation of this project report. I will be always indebted to them. INDEX S. No. | CHAPTERS| PAGE No. | 1. | CHAPTER – 1 (COMPANY PROFILE)| 8-22| 1. 1 | Introduction of axis bank| 8| 1. 2| History of axis bank| 9-13| 1. 3| Management of axis bank| 14-15| 1. | Definition of banking| 15| 1. 5| Meaning of banking| 15| 1. 6| Product of axis bank| 15-16| 1. 7| Customer services on banking operation| 16-17| 1. 8| Tradit ional banking activity | 17| 1. 9 | Accounting for bank account| 17-18| 1. 10| Economic function| 18-20| 1. 11| Types of investment ban| 20| 1. 12| Mortgage banking| 20-22| 1. 13| KYC (know your customer)| 22| 1. 14| Competitors | 22| | | | 2. | CHAPTER – 2| 23-26| | Need, Scope, Objectives, methodology and limitation of the study. | 23-26| | | | | | | 3. | Chapter – 3| 27-38| 3. 1| Project introduction| 27| 3. 2| Meaning of wholesale banking operation| 27-28| . 3| Concept | 28-34| 3. 4| Current account information| 34-35| 3. 4. 1| Channel one:(for successful business)| 34| 3. 4. 2| Builders and real estate| 35| 3. 5| Training in wholesale banking operation| 35-38| 3. 5. 1| Corporate| 35-36| 3. 5. 2| Small and medium enterprises| 36-37| 3. 5. 3| Government | 37-38| | | | 4. | Chapter – 4| 39-51| 4. 1| Data analysis| 39-51| | | | 5. | Chapter – 5| 52| 5. 1| Finding and suggestion| 52| 5. 2| Conclusion and recommendation| 52| | | | 6. | Chapter – 6| 53| | Bibliography| 54| | Appendices-Customer Feedback Form| 55-57| CHAPTER 1 1. COMPANY PROFILE 1. INTRODUCTION OF AXIS BANK Commercial banking services which includes merchant banking, direct finance infrastructure finance, venture capital fund, advisory, trusteeship, forex, treasury and other related financial services. Axis Bank Limited  is an Indian  financial services  firm that had begun operations in 1994, after the  Government of India  allowed new private banks to be established. The Bank was promoted jointly by the Administrator of the Specified Undertaking of the Unit Trust of India  (UTI),  Life Insurance Corporation of India  (LIC), General Insurance Corporation Ltd. , National Insurance Company Ltd.The New India Assurance Company,  The Oriental Insurance corporation  and  United India Insurance Company  UTI holds a special position in the Indian capital markets and has promoted many leading financial institutions in the country. As on the year ended 31 March, 2012, Axis Bank had an operating revenue of 13,437 crores and a net profit of 4242 crores. Axis Bank opened its registered office in Ahmedabad and corporate office in Mumbai in December 1993. The first branch was inaugurated in April 1994 in Ahmedabad by Dr. Manmohan Singh , then the honorable Finance Minister . 1. 2 HISTORY OF AXIS BANK 1993:The Bank was incorporated on 3rd December and Certificate of business on 14th December. The Bank transacts banking business of all description. UTI Bank Ltd. was promoted by Unit Trust of India, Life Insurance Corporation of India, General Insurance Corporation of India and its four subsidiaries. The bank was the first private sector bank to get a license under the new guidelines issued by the RBI. 1997: The Bank obtained license to act as Depository Participant with NSDL and applied for registration with SEBI to act as `Trustee to Debenture Holders'. Rupees 100 crores was contributed by UTI, the rest from LIC Rs 7. crores, GIC and its four subsidiaries Rs 1. 5 crores each. 1998: The Bank has 28 branches in urban and semi urban areas as on31st July. All the branches are fully computerized and networked through VSAT. ATM services are available in 27 branches. The Bank came out with a public issue of 1,50,00,000 No. of equity shares of Rs10 each at a premium of Rs 11 per share aggregating to Rs 31. 50crores and Offer for sale of 2,00,00,000 No. of equity shares for cash at a price of Rs 21 per share. Out of the public issue 2, 20,000 shares were reserved for allotment on preferential basis to employees of UTI Bank.Balance of 3, 47, 80,000 shares were offered to the public. The company offers ATM cards, using which account-holders can with draw money from any of the bank's ATMs across the country which is inter-connected by VSAT. UTI Bank has launched a new retail product with operational flexibility for its customers. UTI Bank will sign a co-brand agreement with the market, leader, Citibank NA for entering i nto the highly promising credit card business. UTI Bank promoted by India's pioneer mutual fund Unit Trust of India along with LIC, GIC and its four subsidiaries. 1999: UTI Bank and Citibank have launched an international co-branded Credit card.UTI Bank and Citibank have come together to launch an international co-branded credit card under the Master Card umbrella. UTI Bank Ltd has inaugurated an offsite ATM at Ashok Nagar here, taking the total number of its offsite ATMs. 2000: The Bank has announced the launch of Tele-Depository Services for Its depository clients. UTI Bank has launch of `I Connect', its Internet banking Product. UTI Bank has signed a memorandum of understanding with equitymaster. com for e-broking activities of the site. Infinity. com financial Securities Ltd. , an e-broking outfit is Typing up with UTI Bank for a banking interface.Geojit Securities Ltd, the first company to start online trading services, has signed a MoU with UTI Bank to enable investors to buys ell demat stocks through the company's website. India bulls have signed a memorandum of understanding with UTI Bank. UTI Bank has entered into an agreement with Stock Holding Corporation of India for providing loans against hares to SCHCIL's customers and funding investors in public and rights issues. ICRA has upgraded the rating UTI Bank's Rs 500 crores certificate of deposit programmed to A1+. UTI Bank has tied up with L&T Trade. com for providing customized online trading solution for brokers. 001: UTI Bank launched a private placement of non-convertible debentures to rise up to Rs 75 crores. UTI Bank has opened two offsite ATMs and one extension counter with an ATM in Mangalore, taking its total number of ATMs across the country to 355. UTI Bank has recorded 62 per cent rise in net profit for the quarter ended September 30, 2001, at Rs 30. 95 crores. For the second quarter ended September 30, 2000, the net profit was Rs 19. 08 crores. The total income of the bank during the quar ter was up 53 per cent at Rs 366. 25 crores. 2002: UTI Bank Ltd has informed BSE that Shri B R Barwale has resigned as a Director of the Bank w. . f. January 02, 2002. A C Shah, former chairman of Bank of Baroda, also retired from the bank’s board in the third quarter of last year. His place continues to be vacant. MD a modern took over as the director of the board after taking in there INS of UTI. B S Pandit has also joined the bank’s board subsequent to the retirement of K G Vassal. UTI Bank Ltd has informed that Shri Paul Fletcher has been appointed as an Additional Director Nominee of CDC Financial Service (Mauritius) Ltd of the Bank . And Shri Donald Peck has been appointed as an Additional Director (nominee of South Asia Regional Fund) of the Bank.UTI Bank Ltd has informed that on laying down the office of Chairman of LIC on being appointed as Chairman of SEBI, Shri G N Bajpai, Nominee Director of LIC has resigned as a Director of the Bank. 2003: UTI Bank Ltd has informed BSE that at the meeting of the Board of Directors of the company held on January 16, 2003, Shri R N Bharadwaj, Managing Director of LIC has been appointed as an Additional Director of the Bank with immediate effect. – UTI Bank, the private sector bank has opened a branch at Nellore. The bank’s Chairman and Managing Director, Dr P. J. Nayak, inaugurating the bank branch at GT Road on May 26.Speaking on the occasion, Dr Nayak said. This marks another step towards the extensive customer banking focus that we are providing across the country and reinforces our commitment to bring superior banking services, marked by convenience and closeness to customers. -UTI Bank Ltd. has informed the Exchange that at its meeting held on June 25, 2003 the BOD have decided the following: 1) To appoint Mr. A T Pannir Selvam, former CMD of Union Bank of India and Prof. Jayanth Varma of the Indian Institute of Management, Ahmadabad as additional directors of the Bank with immediate effect.Further, Mr. Pannir Selvam will be the nominee director of the Administrator of the specified undertaking of the Unit Trust of India (UTI-I) and Mr. Jayanth Varma will be an Independent Director. 2) To issue Non-Convertible Unsecured Redeemable Debentures up to Rs. 100 crores, in one or more tranches as the Bank's Tier – II capital. -UTI has been authorized to launch 16 ATM son the Western Railway Stations of Mumbai Division. -UTI filed suit against financial institutions IFCI Ltd in the debt recovery tribunal at Mumbai to recover Rs. 5cr in dues. -UTI bank made an entry to the Food Credit Programme; it has made an entry into the 59 cluster which includes private sector, public sector, old private sector and co-operative banks. -Shri Ajeet Prasad, Nominee of UTI has resigned as the director of the bank. -Banks Chairman and MD Dr. P. J. Nayak inaugurated a new branch at Nellore. -UTI bank allots shares under Employee Stock Option Scheme to its employees. -Unveils pre-p aid travel card ‘Visa Electron Travel Currency Card' -Allotment of 58923equity shares of Rs 10 each under ESOP. UTI Bank ties up with UK govt fund for contract farm in -Shri B S Pandit, nominee of the Administrator of the Specified Undertaking of the Unit Trust of India(UTI-I) has resigned as a director from the Bank w e f November 12,2003. -UTI Bank unveils new ATM in Sikkim. 2004: Comes out with Rs. 500 Unsecured Redeemable Non-Convertible Debenture Issue, issue fully subscribed -UTI Bank Ltd has informed that Shri Ajeet Prasad, Nominee of the Administrator of the Specified Undertaking of the Unit Trust of India (UTI – I) has been appointed as an Additional Director of the Bank w. e. f. January 20,2004. UTI Bank opens new branch in Udupi-UTI Bank, Geojit in pact for trading platform in Qatar -UTI Bank ties up with Shri ram Group Cos-Unveils premium payment facility through ATMs applicable to LIC UTI Bank customers –Metal junction (MJ)- the online trading and pr ocurement joint venture of Tata Steel and Steel Authority of India(SAIL)- has roped in UTI Bank to start off own equipment for Tata Steel. -DIEBOLD Systems Private Ltd, a wholly owned subsidiary of Diebold Incorporated, has secured a major contract for the supply of ATMs an services to UTI Bank -HSBC completes acquisition of 14. % stake in UTI Bank for . 6 m -UTI Bank installs ATM in Thiruvananthapuram –Launches Remittance Card' in association with Remit2India, a Web site offering money transfer services. 2005: * UTI Bank enters into a banc assurance partnership with Bajaj Allianz General for selling general insurance products through its branch network. * UTI Bank launches its first Satellite Retail Assets Centre (SRAC) in Karnataka at Mangalore. 2006: * UBL sets up branch in Jaipur. UTI Bank unveils priority banking lounge. * UTI Bank launches operations of UBL Sales, its Sales Subsidiary -Inaugurates its first office in Bangalore. * UTI Bank announces the launch of its Cre dit Card Business. * UTI Bank becomes the first Indian Bank to successfully issue Foreign Currency Hybrid Capital in the International Market. * UTI Bank Business Gold Debit Card MasterCard Launched – Designed for business related spending by SMEs and self employed professionals. 2007:AXIS Bank Ltd has informed that consequent upon handing over charge as Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), Shri. S B Mathur, the Nominee Director of SUUTI has resigned as a Director of the Bank December 06, 2007. * AXIS Bank Ltd has informed that Fitch Ratings on December 14, 2007, has upgraded the Bank's National Long-term rating to ‘AAA(ind)' from ‘AA+(ind)'. * AXIS Bank Ltd has appointed Shri K N Prithvi raj as an Additional Director on the Board at Directors of the Bank. * Company name has been changed from UTI Bank Ltd to Axis Bank Ltd. 008: * Axis Bank launches Platinum Credit Card, India's first EMV chip based card. * Axis Bank set up its branch at Ilanji at Meenakshi Nagar on the Coutralam-Madurai road on April 16. 2009: * Axis Bank today said its board has recommended the appointment of Shikha Sharma, currently chief of ICICI group's life insurance business, as its next managing director and CEO. * Axis Bank has set up a new branch at Perumbavoor. The bank has a network of 832 branches along with 8 extension counters and 3622 ATMs across the country. Axis Bank, on Wednesday entered into a strategic alliance with Motilal Oswal, the financial services firm, in order to facilitate the online trading for the bank's customers. * AXIS Bank Ltd has informed that the Board of Directors of the Bank at its meeting held on June 01, 2009, inducted Smt. Shikha Sharma as an Additional Director of the Bank. * Axis bank has received final clearance from the Securities and Exchange Board of India (SEBI) to begin its mutual fund operations and will launch debt and equity schemes soon whereas IDBI Bank is awaiting the regulator' s permit for an entry. Axis Bank opened the new branch at Irinjalakuda while it has a network of 892 branches, 8 extension counters and 3,806 ATMs across the country. 2010: Axis Bank Limited has informed that at the meeting of the Board of Directors held on January 15, 2010, the following decisions were taken: * To appoint Dr. Adarsh Kishore, former Finance Secretary, Government of India and former Executive Director, International Monetary Fund representing Bangladesh, Bhutan, India and Sri Lanka as the Non-Executive Chairman of the Bank, subject to RBI approval; * To appoint Shri S.B. Mathur, former Chairman, LIC and the National Stock Exchange of India, as an Additional Independent Director, with immediate effect. 1. 3 MANAGEMENT OF AXIS BANK ORGANIZATION STRUCTURE OF AXIS BANK PROMOTERS: Axis Bank Ltd. has been promoted by the largest and the best Financial Institution of the country, UTI. The Bank was set up with a capital of Rs. 115 crores, with UTI contributing Rs. 100 Crores , LIC – Rs. 7. 5 Crores and GIC and its four subsidiaries contributing Rs. . 5 Crores each SUUTI – Shareholding 27. 02%Erstwhile Unit Trust of India was setup as a body corporate under the UTI Act, 1963, with a view to encourage savings and investment. In December 2002, the UTI Act, 1963 was repealed with the passage of Unit Trust of India (Transfer of Undertaking and Repeal) Act, 2002 by the Parliament, paving the way for the bifurcation of UTI into 2 entities, UTI-I and UTI-II with effect from1st February 2003. In accordance with the Act, the Undertaking specified as UTI I has been transferred and ested in the Administrator of the Specified Undertaking of the Unit Trust of India (SUUTI), who manages assured return schemes along with 6. 75% US-64 Bonds,6. 60% ARS Bonds with a Unit Capital of over Rs. 14167. 59 crores. The Government of India has currently appointed Shri K. N. Prithviraj as the Administrator of the Specified undertaking of UTI, to look after and admini ster the schemes under UTI where Government has continuing obligations and commitments to the investors, which it will uphold. 1. 4 DEFINITIONS OF BANKINGA bank is a financial institution licensed by a government. Its primary activity is to lend money. Many other financial activities were allowed over time. For example banks are important players in financial markets and offer financial services such as investment funds. Banking can also be defined as engaging in the business of keeping money for savings and checking accounts or for exchange or for issuing loans and credit. Transacting business with a bank: Depositing or withdrawing funds or requesting a loan.Bank – a supply or stock held in reserve for future use (especially in emergencies) 1. 5 MEANING OF BANKING An organization, usually a corporation, chartered by a state or federal government, which does most or all of the following: receives demand deposits and time deposits, honors instruments drawn on them, and pays in terest on them; discounts notes, makes loans, and invests in securities; collects checks, drafts, and notes; certifies depositor's checks; and issues drafts and cashier's checks. 1. 6 PRODUCT OF AXIS BANK * Product of axis bank * Easy Access Saving Account Saving Account for Women * Prime Saving Account * Senior Citizens Saving Account * Priority Banking * Corporate Salary Account * Trust /NGOs Saving Account * Resident Foreign Currency Account * Online Trading Account * Current Account * Term Deposits * Locker Facilities * NRI Services * Depository Services * Financial Advisory Services * Wealth Management Services * Insurance Solutions – Life and General * Retail Loans * Credit Loans * Travel Currency Cards * Remittance Cards * Gift Cards 1. 7 CUSTOMER SERVICE IN BANKING OPERATION * Cheque Drop Box FacilityRBI's Committee on Procedures and Performance Audit on Public Services has recommended that both the drop box facility and the facility for acknowledgement of the cheques at the regular collection counters should be available to customers and no branch should refuse to give an acknowledgement if the customer tenders the cheques at the counters. * Issue of Cheque Books: The Committee has observed that some banks do not allow depositors to collect their cheque book at the branch but insist on dispatching the cheque book by courier to the depositor.Further, it is stated by the Committee that the deposit or is forced to sign a declaration that a dispatch by the courier is at the depositor's risk and consequence and that the depositor shall not hold the bank liable in any manner whatsoever in respect of such dispatch of cheque book. Committee has observed this as an unfair practice and advised banks to refrain from obtaining such undertakings from depositors. Banks should also ensure that cheque books are delivered over the counters on request to the depositors or his authorized representative. Statement of Accounts / Pass Books: The Committee has noted that banks invariably show the entries in depositor’s passbooks /statement of accounts as â€Å"By Clearing† or â€Å"By Cheque†. Further, in the case of Electronic Clearing System (ECS) and RBI Electronic Funds Transfer (RBIEFTR) banks invariably do not provide any details even though brief particulars of the remittance are provided to the receiving bank. In some cases computerized entries use sophisticated codes which just cannot be deciphered.With a view to avoiding inconvenience to depositors, banks are advised to avoid such inscrutable entries in passbooks statements of account and ensure that brief, intelligible particulars are invariably entered in passbooks / statements of account. Banks may also ensure that they adhere to the monthly periodicity prescribed by us while sending statement of accounts. 1. 8 TRADITIONAL BANKING ACTIVITIES Banks act as payment agents by conducting checking or current accounts for customers, paying cheques drawn by customers o n the bank, and collecting cheques deposited to customers' current accounts.Banks also enable customer payments via other payment methods such as telegraphic transfer, EFTPOS, and ATM. Banks borrow money by accepting funds deposited on current accounts, by accepting term deposits, and by issuing debt securities such as bank notes and bonds. Banks lend money by making advances to customers on current accounts, by making installment loans, and by investing in marketable debt securities and other forms of money lending. Banks provide almost all payment services, and a bank account is considered indispensable by most businesses, individuals and governments.Non-banks that provide payment services such as remittance companies are not normally considered an adequate substitute for having a bank account. Banks borrow most funds from households and non-financial businesses, and lend most funds to households and non-financial businesses, but non-bank lenders provide a significant and in many cases adequate substitute for bank loans, and money market funds, cash management trusts and other non-bank financial institutions in many cases provide an adequate substitute to banks. 1. 9 ACCOUNTING FOR BANK ACCOUNTBank statements are accounting records produced by banks under the various accounting standards of the world. Under GAAP and IFRS there are two kinds of accounts: debit and credit. Credit accounts are Revenue, Equity and Liabilities. Debit Accounts are Assets and Expenses. This means you credit a credit account to increase its balance, and you debit a debit account to increase its balance. This also means you debit your savings account every time you deposit money into it (and the account is normally in deficit), while you credit your credit card account every time you spend money from it (and the account is normally in credit).However, if you read your bank statement, it will say the opposite—that you credit your account when you deposit money, and you debit it when you withdraw funds. If you have cash in your account, you have a positive (or credit) balance; if you are overdrawn, you have a negative (or deficit) balance. There a son for this is that the bank, and not you, has produced the bank statement. Your savings might be your assets, but the bank's liability, so they are credit accounts (which should have a positive balance).Conversely, your loans are your liabilities but the bank's assets, so they are debit accounts (which should have a also have a positive balance). Where bank transactions, balances, credits and debits are discussed below, they are done so from the viewpoint of the accountholder—which is traditionally what most people are used to seeing. 1. 10 ECONIMIC FUNCTION * Issue of money: In the form of bank note sand current accounts subject to cheque or payment at the customer's order. These claim son banks can act as money because they are negotiable and/or repayable on demand, and hence valued at par.They are eff ectively transferable by mere delivery, in the case of banknotes, or by drawing a cheque that the payee may bank or cash. * Netting and settlement of payments: Banks act as both collection and paying agents for customers, participating in interbank clearing and settlement systems to collect, present, be presented with, and pay payment instruments. This enables banks to economies on reserves held for settlement of payments, since inward and outward payments offset each other. It also enables the offsetting of payment flows between geographical areas, reducing the cost of settlement between them. * Credit intermediation:Banks borrow and lend back-to-back on their own account as middle men. * Credit quality improvement: Banks lend money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality borrowers. The improvement comes from diversification of the bank's assets and capital which provides a buffer to absorb losses without defaulting on its oblig ations. However, banknotes and deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to raise the funding it needs to continue to operate, this puts the note holders and depositors in an economically subordinated position. Maturity Transformation: Banks borrow more on demand debt and short term debt, but provide more long term loans. In other words, they borrow short and lend long. With a stronger credit quality than most other borrowers, banks can do this by aggregating issues (e. g. accepting deposits and issuing banknotes) and redemptions (e. g. withdrawals and redemptions of banknotes), maintaining reserves of cash, investing in marketable securities that can be readily converted to cash if needed, and raising replacement funding as needed from various sources (e. g. wholesale cash markets and securities markets). Banking channels: Banks offer many different channels to access their banking and other services: * A branch, banking cent re or financial centre is a retail location where a bank or financial institution offers a wide array of face-to-face service to its customers. * ATM is a computerized telecommunications device that provides a financial institution's customers a method of financial transactions in a public space without the need for a human clerk or bank teller. Most banks now have more ATMs than branches, and ATMs are providing a wider range of services to a wider range of users.For example in Hong Kong, most ATMs enable anyone to deposit cash to any customer of the bank's account by feeding in the notes and entering the account number to be credited. Also, most ATMs enable card holders from other banks to get their account balance and withdraw cash, even if the card is issued by a foreign bank. * Mail is part of the postal system which itself is a system where in written documents typically enclosed in envelopes, and also small packages containing other matter, are delivered to destinations around the world. This can be used to deposit cheques and to send orders to the bank to pay money to third parties.Banks also normally use mail to deliver periodic account statements to customers. * Telephone banking is a service provided by a financial institution which allows its customers to perform transactions over the telephone. This normally includes bill payments for bills from major billers (e. g. for electricity). * Online banking is a term used for performing transactions, payments etc. over the Internet through a bank, credit union or building society's secure website. * Mobile banking is a method of using one's mobile phone to conduct simple banking transactions by remotely linking into a banking network. Video banking is a term used for performing banking transactions or professional banking consultations via a remote video and audio connection. Video banking can be performed via purpose built banking transaction machines (similar to an Automated teller machine), or via a vi deoconference enabled bank branch. 1. 11 TYPES OF INVESTMENT BANKS * Investment banks â€Å"underwrite† (guarantee the sale of) stock and bond issues, trade for their own accounts, make markets, and advise corporations on capital market activities such as mergers and acquisitions. * Merchant banks were traditionally banks which engaged in trade finance.The modern definition, however, refers to banks which provide capital to firms in the form of shares rather than loans. Unlike venture capital firms, they tend not to invest in new companies. 1. 12 MORTGAGE BANKING Mortgage banking deals primarily with originating mortgage loans and servicing them. Read more about it here as well as about what a career in mortgage banking involves. Mortgage banking is meant for a single purpose, to service the real estate finance industry. Mortgage banking deals specifically with originating mortgage loans as well as servicing them.Mortgage banks are state-licensed entities from which consumers can get mortgage loans directly. Usually, mortgage banks avail funds from the Federal National Mortgage Association, or FNMA, also known as Fannie Mae, the Federal Home Loan Mortgage Corporation, or FHLMC, also known as Freddie Mac, or any other large companies that service mortgages, which are related to the secondary mortgage market. Here are a few pointers about the nitty-gritty of mortgage banking. * Mortgage Banks Specialize in Mortgage Loans: Unlike a savings bank that is federally chartered, in general mortgage banks specialize in only providing mortgage loans.Hence, customers do not deposit their money in these banks. As has been mentioned above, the secondary wholesale market is their primary source of funds. Freddie Mac and Fannie Mae are examples of the lenders in the secondary market. * Mortgage Banks Differ in Size: While some mortgage banks can be nationwide, others can originate a volume of loan that can exceed that of a commercial bank that is nationwide. Many of th ese mortgage banks utilize specialty servicers like Real Time Resolutions to carry out tasks like fraud detection work and repurchase. Mortgage Banks have Two Sources of Revenue: The two main sources of income are from loan servicing fees (if they are into loansevicing0, and fees from loan origination. Mortgage bankers, by and large, are choosing not to service the loans they have originated. That is because they are entitled to earn a service-released premium by selling them soon after the mortgage loans are closed and funded. The investor in the secondary market that purchases the loan has the ability of earning revenue for providing servicing of the loan every month the borrower keeps the loan. Different Banking Laws Apply to Mortgage Banks: Mortgage banks usually operate under banking laws that are quite different, according to the state they operate in. You will need to check each individual state’s financial department or state banking in order to get list of mortgage b ankers in each state. While federal laws apply to the operation of a federal bank, in terms of consumer protection, usually consumers have additional rights, which are applicable according to each state. * Mortgage Bankers can be More Competitive:Since they only specialize in lending and do not have to subsidize any of the losses that other departments may have incurred, as in regular banking, mortgage bankers have the ability of being really competitive when lending for mortgage. However, they usually do not have the advantage of accessing adjustable rate mortgages that are low cost, which federal banks are typically associated with, and federal money access. * A Career in Mortgage Banking: Professionals in mortgage banking in the job market today need to have a college degree in business or finance, or some specific experience or training related to the field.Skills in good customer service, an inherent ability with numbers, and computer skills are also essential requirements for mortgage banking jobs. A mortgage banking professional’s job involves reviewing credit scores, determining the kind of loan that is most beneficial for the customer and guiding them through the process of application as well as closing. The loan officer has to be very organized and detail oriented, and need to be able to handle the large amounts of paperwork and reporting that are required for getting loans approved, up to the closing.A mortgage banking professional also has to have thorough know-how about the regulations associated with federal mortgage as well as the various types. 1. 13 KYC (KNOW YOUR CUSTOMER) As per KYC guideline the RBI has advised banks to follow KYC guidelines of RBI mandates banks to collect three proofs from their customers they are1 Photograph2 Proof of Identity3 Proof of address Accordingly, Axis bank has framed its KYC procedure according to which, a photograph and documentary proof of personal identification and address proof are required t be p rovided.The account Opening form provides the nature of documents required / procedure to be followed for opening a new account. You may also log in to our websitewww. axisbank. com for such information which is displayed product-wise. 1. 14 COMPETITORS 1. ICICI Bank Ltd. 2. HDFC Bank Ltd. 3. State Bank of India 4. HSBC Bank 5. RBS (Royal Bank of Scotland) 6. Maharashtra Bank of India 7. Canara Bank 8. Andhra Bank 9. IDBI bank 10. Bank of India 11. Punjab National Bank 12. Central Bank 13. Allahabad Bank 14.ING Vysya 15. Centurion Bank CHAPTER 2 2. NEED, SCOPE, OBJECTIVE, METHODOLOGY AND LIMITATIONS OF THE STUDY 2. 1 NEED OF RESEARCH The research is significant for me and the bank thus significant as follow to the trainee as follow: – * To the trainee †¢The research has provided the trainee practical knowledge regarding the organization working, survey and other aspect of marketing. †¢This research is also essential for me in fulfillment of MBA curriculum. * To the bank Research would help the bank to get the lead of potential customer and current satisfaction level among existing relationship companies †¢To study the opportunity of cross sailing of other product and services †¢The suggestion provide the researcher will be helpful to improvement of class and quality of service to new and current customers and also help to enhance the activities * To the customer †¢The research will become a medium to convey the dissatisfaction factor to the appropriate person in the management 2. 2 SCOPE OF RESEARCHThe research was conducted for AXIS bank limited in Hoshiarpur City. The research was conducted in operational and marketing aspect of the bank products and survey. The research collected to detail information by personal interview and data collection sheet. 2. 3 OBJECTIVES OF THE STUDY This study has been conducted with a variety of important objectives in mind. The following provides us with the  objectives that have tried to achi eve through the study. The extent to which these objectives have been met could judge from the conclusions and suggestions, which appear in the later of this study. The main objective of the study is to know about the potential of the market regarding people’s dealing in financial services. †¢ To know the role of all financial services. †¢ To know where people have already opened their Account and on what basis. 2. 4 RESEARCH METHODOLOGY Research is an art of scientific investigation. In other word research is a scientific and systematic search for pertinent information on specific topic. The logic behind taking research methodology into consideration is that one can have knowledge about the method and procedure adopted for achievement of objectives of the project.With the adoption of  this others can evaluate the results also. Its main aim is to keep the researchers on the right track. The methodology adopted for studying the objectives was surveying the saving a ccount holders of District HOSHIARPUR. So keeping in view the nature of requirements of the study to collect all the relevant information regarding the comparison of saving account of Centurion Bank of Punjab with other  banks direct personal interview method with structured questionnaire was adopted for the collection of primary data. Secondary data has been collected through the various magazines and newspaper a nd by surfing on internet.And the guide in the organization was consulted at many times. 2. 5 SELECTION OF THE SAMPLE It becomes impossible to contact each and every individual of the population due to limitations of essential resources like time and money. Therefore, the study is preferably allowed down to a representation sample to make the study more manageable. Keeping in view the objectives and resource limitation of the study, 100 respondents were considered. Respondents – 100 The selected sample is representative of the population and is accurate and practi cable. 2. 6 SAMPLING TECHNIQUETo study the Project, a Simple Random Sampling technique is used. 2. 7 SAMPLING PLAN The following factors will be taken into consideration within scope of sampling plan. 1 Sampling unit: It defines the target population that will be sampled i. e. it answers who is to be surveyed. In this study, the sampling unit is customers using internet banking. 1 Sampling size: It indicates the numbers of people to be surveyed. Though large samples give more reliable results than small sample but due to constraints of time and money, the sample size was restricted to 50 respondents. 2. 8 COLLECTION OF DATAAfter the research problem has been defined and the research design has been chalked out, the task of data collection begins. The data can be collected mainly through primary sources, but it was supplement with secondary data. * Primary data collection: Primary data is the data which is collected through observation or direct communication with the respondents in one form or another. These are several methods for primary data collection like Observation Method, Interview Method, through schedules, through questionnaires and so on. * Secondary data collection methods: Secondary data is collected through Internet. Internet We also take into consideration the internet facility with which we  collect lot  of  latest information. * Journal and publications of different banks We also take into consideration the journals and publications issued by the bank  at different times. We  comes to know about the Branches, ATM, locations and other useful information. 2. 9 LIMITATION OF RESEARCH Every research has its own constraints which keep limitation to work similarly this research has also limitation due to which the researcher could not get detailed information regarding project. These are: – Though full efforts have been made but due to the lack of past experience in the marketing field I failed some areas have been left from includi ng in the study †¢ Due to the limitation of time I was unable to cover more sample (data collection sheet) and to fridge the lead granted. CHAPTER 3 PROJECT INTRODUCTION 3. 1 PROJECT INTRODUCTION As a part of curriculum the students of MBA have to undergo Summer Internship Program (SIP). Wherein a student gets the knowledge about practical life, how the work is done in companies, how to get acquainted with working conditions and other many such things, etc. he main aim behind this program is that students get some experience with which he could get assistance while searching the job. This program is generally provided by a company and it lasts for at least two months. Students as per their specializations could apply for SIP and get the opportunity to work in a company, which the college suggests. As a management student I also have to undergo SIP. I got the opportunity to complete this program in AXIS BANK LTD. , for two months. Axis bank is one of the leading BANKS in banking sector in India. First of the two months was devoted to training.Our training started with the session of information about bank product and sale sand – what is the meaning of the concepts, importance of sales and marketing was taught. The second part was about open an account-why we open an account in bank, about the banking sector- as avenue for investment, how banking sector is Better Avenue for investment. The next session was about detailed knowledge about banking sector-how to sell these products in market. The last session was about the practical knowledge about how to get appointment of customers and how to convince them to take the product.In the second month we have sell the products directly in the market, procedure of selling the products etc. 3. 2 MEANING OF WHOLESALE BANKING OPERATIONS The Wholesale Banking contains products sold to large and middle market commercial companies, as well as to consumers on a whole sale basis. This includes lending, treasury manag ement, mutual funds, asset-based lending, commercial real estate, corporate and institutional trust services, and investment banking through Wells Fargo Securities. The company also owns Baring ton Associates, a middle market investment bank.Wells Fargo historically has avoided large corporate loans as stand-alone products, instead requiring that borrowers purchase other products along with loans which the bank sees as a loss leader. One area that is very profitable to Wells, however, is asset-based lending: lending to large companies using assets as collateral that are not normally used in other loans. This can be compared to subprime lending, but on a corporate level. The main brand name for this activity is â€Å"Wells Fargo Foothill,† and is regularly marketed into mb stone ads in the Wall Street Journal.Wells Fargo also owns East dil Secured, which is described as a â€Å"real estate investment bank† but is essentially one of the largest commercial real estate bro kers for very large transactions (such as the purchase and sale of large Class-A office buildings in central business districts throughout the United States). The wholesale banking operations consist of the following transactions: 1. Opening of Account 2. Issue of Check book 3. International Debit / Credit Card 4. Issue of Demand Draft (DD) 5. Net banking 6. E-mail statement 7. Phone banking 8. Insta Query 9. Insta Alert 10. Bill pay 11. Passbook 12.Quarterly Account Statement 13. Loan Facility. 3. 3 CONCEPT 3. 3. 1 SAVING ACCOUNT INFORMATION Definition: A deposit account at a bank or savings and loan which pays interest, but cannot be withdrawn by check writing. Types of Saving Account In Axis Banking 1. Zero Balance Savings Account At Axis Bank it has been constant endeavor to create products specifically catering to your needs. The account while offering a whole range of services also addresses your latent need of having an account without the hassle of maintaining an average qua rterly balance. Features: – 1. No Average Quarterly Balance requirement 2.Free International Debit Card with an Accidental Insurance cover up to Rs 2 lakhs* (charges for the primary holder are waived). 3. Free mobile banking facility 4. Access through more than 825 branches and more than 3595 ATMs 5. At-Par cheque facility with the clearing limit of Rs 50,000 6. 24Ãâ€"7 Tele banking & Internet banking. 7. Free quarterly statements8. Free monthly e-statement Conditions Apply:- 1. Initial funding of Rs. 5,500. 2. Account maintenance fee of Rs. 500 per annum 2. Krishi Savings Account (Kheti Ho Khushahali ki) Axis Bank offers a unique savings account which is easy to operate and allows you to transact immediately.This product has been specially designed keeping in mind the unique requirements of a farmer and true to its nature has been called the Krishi Savings Account. Some of the features of our new product are: Average Balance Requirement : This account is offered with the re quirement of maintaining the half-yearly average balance of Rs 1000only. International Master Debit Card: The Krishi Savings Account entitles you to an International Master Debit Card with which you can access your account anytime through the Axis Bank ATM network free of cost. This card comes with a cash withdrawal limit of Rs 25,000 per day.Free Accident Insurance cover of Rs 2 lacks. Anywhere Banking: Being a Krishi account holder, you are entitled to access our wide network of more than 825 branches and 3595 ATMs across 440 cities. You can now easily carry out your transactions through any of the branches or ATMs. At Par Cheque Book: Your Krishi Savings Account comes with the At-Par Cheque facility. This facility enables you to en cash the cheques as local instruments at any of the 440 centers where the Bank has its presence, at no extra cost. Moreover, you can also issue cheques at other centers upto the limit of Rs 50,000. Easy Access Savings Account (Banking made easy) * A â €“ Accessibility * C – Convenience * C – Comfort * E – Earnings * S – Speed * S – Service Want a savings account that transcends geographical boundaries? Presenting, Axis Bank's Easy Access Savings Account. The account is an endeavor by the Bank to understand the consumers' needs and redefine banking to suit your requirements for a truly comfortable banking experience. Easy Access Savings Account gives you instant access to your money anywhere, anytime. Possessing a range of unmatched features, it has been devised to better suit the convenience of our eclectic client base.You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000in rural centers. †¢At-par cheque †¢ATM Network †¢Anywhere Banking †¢ Tele banking †¢ i Connect †¢Mobile Banking †¢Quarterly account statement †¢Quarterly interest @ 3. 5 % per annum †¢Free monthly e-statement. You can avail of all these services with a minimum quarterly average balance of Rs. 5,000 in metro or urban centers, Rs. 2,500 in semi urban centers and Rs. 1,000 in rural centers. Corporate Salary Account:Our Corporate Salary Power Offering is designed to offer pay roll solutions through in a 24 X 7 environment. We leverage on our extensive network of distribution channels spread across 450 centers through a network of more than 827 branches and 3595 ATMs besides our superior service delivery model and product features, as a strong differentiator, to provide value to the end user. Benefit to Employers: †¢Efficient salary disbursal. Web Upload – Transfer salaries/reimbursements directly from your current account with Axis Bank to your employee's accounts using I Connect from your office. Single-instruction salary credit – Same day salary credits for all companies having Corporate Account with Axis Bank. Dedicated relationship manager at metro locations to understand the financial requirements of your employees. Benefit to Employees: †¢No minimum balance criteria. †¢Unparalleled Access – Anywhere banking facility through our network of Branches, ATM and Internet banking facility. †¢AT Par cheque books payable locally at all Axis Bank locations. †¢International Debit cum ATM cards with enhanced Cash withdrawal facility and other value add ones. Online Banking with funds transfer, online shopping and bill payment options. †¢Depository services with free online trading accounts. †¢Meal Cards on a master card platform. †¢Employee Reimbursement accounts as a savings account variant. Preferential pricing on loan products and credit cards and other banking products ; services. 3. Prime Savings Account: Want a customized savings account to suit your specific financial requirements? At Axis Bank, we have always strived to pace our products with the growing needs of our cu stomers.The Prime Savings account has therefore been created with your specific financial requirements in mind. Through the ‘At Par' cheque facility, you have the unique advantage to en cash your cheques as a local cheque at more than 330 centers where the bank has a presence at no extra cost. In addition the account enables you to issue cheques up to Rs. 1 lakhs, which will be treated as ‘At Par' across these locations. You can avail of all these services with a minimum average balance of Rs 25,000 in metro/urban/semi-urban centers and Rs 10,000 in rural centers. 4.Smart Privilege Account: (For the woman of today) In today's busy world it's tough being a working woman. Right from shuttling between a job and family to taking care of her finances she has to be on her toes all the time. Keeping this in mind, we at Axis Bank have designed a savings account best suited for the woman of today. With the Smart Privilege Account, you can manage your money and your life and as we ll as enjoy a host of lifestyle privileges. Furthermore Axis Bank's Smart Privilege Account ensures that you have enough time for all the important things in life. Senior Privilege: (Because life begins at sixty) Are you seeking a banking style that compliments your senior status? Axis Bank's Senior Citizen Savings Account has been designed keeping in mind the fact that a senior citizen's banking requirements are wholly different and require special consideration. * Special Privilege: (A Privilege assures the care you deserve): We have introduced Senior Citizen ID card for our Senior Privilege patrons. Let us briefly introduce the wide range of advantages it hold for you. * Avail of Great benefits with Senior Citizen ID cardID card acts as an age proof. Enabling you to redeem every advantage that you are eligible for, this card will soon help you avail of certain never-before Senior-citizen benefits at various stores, service providers and installation across the nation. * Feel safe Every where Apart from provide you with the power to claim great benefits, card also act as emergency information medium. In case of emergencies, it provides the doctors and authorities with vital data like your blood group, allergies, illnesses, address and emergency contact details.This ensures that you are well looked after in any situation, no matter where you are. * Always a Privilege It will help in strengthen the bond with us and to be of assistance to you at all the times, no matter what your need be. Whether its loan, a savings account or any financial services that you wish to avail of, we will make sure that we're always be there by your side. * Power Salute (Salute to the defense forces) Are you looking for an account that fits with your life in the Defence Forces? Defense Salary Account from Axis Bank is a product designed keeping in mind how tough a life in the Defense Forces is.Not only does it come to you absolutely free, no minimum balance is required either. You c an also access the entire Axis Bank network, including more than 2300 ATMs and 550 branch offices (and growing) no matter where you are posted. With the complete gamut of banking services (including overdrafts, loans and zero-balance requirements) you can now rest assured about your family and all their financial needs. It sour way of showing our appreciation to your work. * Banking Privileges: At-par Cheque Facility * Your job involves constant transfers across the country.With the at-par cheque facility it will no longer be necessary to set up new bank accounts with each transfer. * Additional Debit Card * Along with a free International Debit Card, you also get a free card for the joint account holder. This means that your child or spouse also enjoy the same benefits of banking with Axis Bank. * Financial Advisory Services * Our solutions answer to the twin goals of meeting your requirements and to diversify and spread the risk of your investment portfolio, so you can look forwar d to a comfortable and worry-free life.We first understand your exact investment needs and then design the perfect investment plan for you. 5. Trust/NGO Savings Account: Thoughtful banking for people who spend their lives thinking of others Need special banking for special causes? Axis Banks Trust Account is an effort to offer thoughtful banking for people who spend their lives thinking of others. It is a complete banking solution for Trusts, Associations, Societies, Government Bodies, Section 25 companies and NGOs, so that the organizations can devote all of their time to their noble motivations. Features:- A savings account for your trust with a concessional average quarterly Balance a multi-city at-par cheque facility with no limit on clearing payments at centers across the country wherever we are present. Free anywhere banking across all our Branches and Extension Counters and over all our ATMs. Free Demand Drafts or Pay Orders as and when required by you to remit funds. Free co llection of cheques at outstations locations free monthly e-statement Monthly Statement of Account delivered at your doorstep.Facility for collecting donations in your account through our network of Branches and extension counters across the country, as well as through I Connect – our Internet Banking facility. Also, Axis Bank can offer the facility to donate funds to your Trust through our Internet Banking facility I Connect to its customers. An Axis Bank customer can donate any amount to your Trust through the Internet. In such cases, the savings account of the customer gets debited and the savings account of your Trust gets credited with the amount of donation at the same time.At the end of every month, the Bank will provide an MIS giving details of the amount of donations and the name of donor. This will enable the Trust to issue receipts to the donors. Free Internet Banking facility that enables you to view the status of your account, transfer funds and carry out a numbe r of banking activities from the comfort of your home or office. * Investment Advice * Our Financial Advisory Desk will provide portfolio management advice as well as help you undertake investments. * Free Demat To facilitate your investments, we offer a free Demat Account (charges due to NSDL must still be levied) to our esteemed account holders in the Trust or Society segment. * Foreign Contribution (Regulation) Act [FCRA] accounts * The FCRA account enables approved organizations to receive foreign contributions for utilization in their activities in India. The Bank will provide assistance in the process of documentation and obtaining necessary approvals from Ministry of Home Affairs at New Delhi. 3. 4 CURRENT ACCOUNT INFORMATION 3. 4. 1 CHANNEL ONE: (FOR SUCCESSFUL BUSINESSES)The ‘Channel One’ Current Account is an effort in that direction where we take care of your day to day banking requirements leaving you with more time for your business. Channel One Current Acc ount is most appropriate choice of successful businesses. At a monthly Average Balance (MAB ) of Rs. 10 lack. FEATURES: 1. Relationship Manager. 2. Doorstep Banking. 3. Anywhere Banking. 4. Free Internet Banking. 5. Free 24 hour Tele banking. 6. Mobile Banking Service. 7. International debit card. 8. Cheque Protection Facility. 9. Free 24 – hour cheque deposited facility. 10. Payment of Government Taxes/ Dues. 11. Foreign exchange services. . 4. 2 BUILDERS AND REAL ESTATE: Axis Bank understands the increasing demands on businesses in this segment . Here’s presenting the Axis Bank Builder ; Real Estate Current Account a current account with unparalleled product features built to suit Builders ; Realtors exclusively. This account offers you unmatched convenience while adding financial value to your businesses spread over geographies. . At a monthly Average Balance (MAB) of Rs. 5 Lacks this account comes loaded with special facilities and benefits, most appropriate for yo ur business. FEATURES: 1. Home Branch Cash Deposit. 2. Non – Home Branch Cash Withdrawal. . Free Anywhere Banking. 4. Cluster facility. 5. Zero Balance account for Vendors and Suppliers. 6. Franking Facility. 7. Customer cheque printing. 8. Internet Banking. 9. Free 24-hour Phone banking. 10. Mobile Alerts. 11. ATM cum Debit Card. 12. Free Monthly Account Statement. 3. 5 TRAINING IN WHOLESALE BANKING OPERATION 3. 5. 1 CORPORATES Corporate Banking reflects Axis Bank's strengths in providing our corporate clients in India, a wide array of commercial, transactional and electronic banking products. We achieve this through innovative product development and a well-integrated approach to relationship management. Funded Services: Working Capital Finance, Bill Discounting, Export Credit, Short Term Finance, Structured Finance, Term Lending. * Non Funded Services: Letter of Credit, Collection of Documents, Bank Guarantees. * Value Added Services: Syndication Services, Real Time Gross Settlement, Cash Management Services, Corporate Salary Accounts, Reimbursement Account, Bankers to Right/Public Issue, Forex Desk, Money Market Desk, Derivatives Desk, Employees Trusts, Cash Surplus Corporate, Tax Collection * Internet Banking: Supply Chain Management, Corporate Internet Banking, Payment Gateway Services. 3. . 2 SMALL AND MEDIUM ENTERPRISES: At Axis Bank we understand how much of hard work goes into establishing a successful SME. We also understand that your business is anything but â€Å"small† and as demanding as ever. And as your business expands and enters new territories and markets, you need to keep pace with the growing requests that come in, which may lead to purchasing new, or updating existing plant and equipment, or employing new staff to cope with the demand. That's why we at Axis Bank have assembled products, services, resources and expert advice to help ensure that your business excels.Solutions are designed to meet your varying needs. The follo wing links will help you identify your individual needs. * Funded Services: Funded Services from Axis Bank are meant to directly bolster the day-to-day working of a small and a medium business enterprise. From working capital finance to credit substitutes; from export credit to construction equipment loan – we cater to virtually every business requirement of an SME. Click on the services below that best define your needs * Non-Funded Services: Under Non-Funded services Axis Bank offers solutions that act as a catalyst to propel your business.Imagine a situation where you have a letter of credit and need finance against the same or you have a tender and you need to equip yourself with a guarantee in order to go ahead. This is exactly where we can help you so that you don't face any roadblocks when it comes to your business. The following are the services that will precisely tell you what we can do Business Accounts, Letters of Credit, Collection of Documents, Axis Bank Trade, Guarantees, Cash Management Services, Money Market Desk, Derivatives Desk, Services to Cash Surplus Corporate, Services to Employee Trusts, Bankers to Rights/Public Issue, Tax Collection. Specialized Services: Axis Bank is one of the most trusted entities when it comes to specialized services like selling of precious metals to customers. Under specialized services you can also avail customized control of your value chain through our internet banking platform. * Value Added Services: There is a plethora of services that we offer under value added services. There's corporate salary account which ensures smooth payment methods to your staff. You can avail an assortment of credit cards and debit cards from our merchant services. The following are the highlights of this service:Real Time Gross Settlement, Reimbursement Account, Custody Services, Corporate Salary Accounts, Merchant Services, Axis Bank Gold Business Credit Card. * Internet Banking: Internet banking is a revolutionary servi ce under the banking sector and Axis Bank is a forerunner in providing you with this service. We provide state-of-the-art payment gateway services to industries and companies in order to ease transaction processing. This in turn enhances the credibility of your business and makes banking extremely cost-efficient. 3. 5. 3 GOVERNMENT SECTOR:Axis Bank acts as an active medium between the government and the customers by means of various services. These services include : * Tax Collection Where in customers can directly pay their taxes like Direct taxes, Indirect taxes and Sales Tax collections at their local Axis Bank * E-Ticketing Helps the customer by providing him a direct access to book a Railway Ticket online and get it home delivered * Opening of L/C's is done by the bank on behalf of Government of India, Mints and Presses, thus facilitating imports for the Government. * Collection of levies and taxes on behalf of Municipal Corporations i. . Kalyan -Dombivli Municipal Corporation, is undertaken by the Bank. * Collection of stamp duty is done via franking mode in the states of Maharashtra & Gujarat. The Stamp Duty Franking Facility is available at following branches in Maharashtra Fort, Chembur, Lower Parel, Mira Road, Thane (Talao Pali), Panvel, Ratnagiri, Pune (FC Road), Kolhapur, Nagpur, Pimpri. The Stamp Duty Franking Facility is available at following branches in Gujarat Ahmedabad (Navrangpura), Kutch (Mundra), Baroda (Gotri Road), Surat (Ring Road), Bhavnagar & Vapi (GIDC). Disbursement of Pension to retired Employees of Central Govt and Defence is directly done by Axis Bank along with the disbursement of pension to the members of EPFO (Employees Provident Fund Organization) * Electronic Collection of fees on behalf of DGFT is done by the bank too * Ministry of Corporate Affairs Collection of ROC fees for the Ministry through authorized Branches and Net Banking. * Collection of Property Tax through Selected Branches on behalf of Municipal Corporation of Delhi CHAPTER 4 DATA ANALYSIS & INTERPRETATION 4. 1 Analysis of QuestionnaireThe study was conducted and primary data was collected through questionnaire method. For this purpose, 100 respondents of the TANDA city were approached of 100% in the branch has been shown below: Q1 Customer having accou

Jefersonians essays

Jefersonians essays Beginning with the disputed presidential election of 1824, political dominance by the Revolutionary generation came to an end. The American people passed the torch to a generation of Americans who either experienced the Revolution as children or were born in the first years of independence. Moreover, the elitist republic of the Revolutionary generation was about to be supplanted by a new kind of political party, the Jacksonian democracy. It is where ordinary Americans (that is, ordinary white male Americans) would make their way into political and economic power despite protests by social and political elites. Jacksonian Democrats viewed themselves as guardians of the US Constitution, political democracy, individual liberty, and equality of economic opportunity. During the Jacksonian Era the Jacksonians were true to their beliefs with only a few minor discrepancies. I do agree with the Jacksonians views. The Jacksonians were thought to be good citizens. Some would say the Humble citizens. They believed and wanted to make the country better for the common everyday man, unlike some that only wanted to target the rich and powerful. Jackson wanted to convince the common men to get involved with the government and he was successful. Jackson made the people believe that the common man's ballot matters and would offset the votes of the economic elites. He believed the government should be done by the people. He upheld the constitution by upholding the belief that every man was equal. The rights of men are very important and it was good to have someone to stand up for them. Jacksonians eventually set up a policy called the spoils system. It was believed that since all men were equal, all men could hold public office, even though this became one of Jacksonians weaker points. I would have to admit this was a good idea at first, but like all great things, they came to an end. Scandal also a ccompanied the new system. The panic of...

Free Essays on Louis Armstrong

New Orleans is a melting pot of people and culture. Diversity is not just recognized but also celebrated. Out of this various blend of French, Spanish and African influences came jazz music. The most influential jazz musician in history was born in New Orleans. Louis Armstrong was not only the epitome of jazz, but he was the King of Jazz. Louis Daniel Armstrong always said he was born on July 4, 1900 because that’s what he was told. After his death in 1971, the writer Gary Giddins discovered his baptismal certificate that proved he was born on August 4, 1901. He was born in the Storyville District of New Orleans. It was a very poor section also called â€Å"the Battlefield† because there was a lot of shooting and fighting there. Willie Armstrong was his father. He was a straw boss in a turpentine factory. His mother was Mary Ann Miles. She was a country girl from just outside New Orleans. Everyone called her Mayann. She moved into the city and met and married Willie. Mayann was about fifteen when Louis was born and Willie abandoned them soon after. In order to support them Mayann cleaned houses and also was a part time prostitute which was a common occupation for poor black women in New Orleans. While he was still an infant he went to live with his paternal grandmother, Josephine Armstrong. She worked hard as a laundress. When Louis was five, his sister Beatrice was born and he moved back in with his mother. She continued her carefree habits and would sometimes disappear from home for days at a time. Louis was often left to watch his sister. Louis went to school but like most of the kids in Storyville, he would rather be on the street playing with his friends or scrounging for money. Louis grew up in poverty and he was deprived both emotionally and physically. He went barefoot year-round and he wore oversized hand-me-downs that he got from Mayann’s various boyfriends. Sometimes he had... Free Essays on Louis Armstrong Free Essays on Louis Armstrong New Orleans is a melting pot of people and culture. Diversity is not just recognized but also celebrated. Out of this various blend of French, Spanish and African influences came jazz music. The most influential jazz musician in history was born in New Orleans. Louis Armstrong was not only the epitome of jazz, but he was the King of Jazz. Louis Daniel Armstrong always said he was born on July 4, 1900 because that’s what he was told. After his death in 1971, the writer Gary Giddins discovered his baptismal certificate that proved he was born on August 4, 1901. He was born in the Storyville District of New Orleans. It was a very poor section also called â€Å"the Battlefield† because there was a lot of shooting and fighting there. Willie Armstrong was his father. He was a straw boss in a turpentine factory. His mother was Mary Ann Miles. She was a country girl from just outside New Orleans. Everyone called her Mayann. She moved into the city and met and married Willie. Mayann was about fifteen when Louis was born and Willie abandoned them soon after. In order to support them Mayann cleaned houses and also was a part time prostitute which was a common occupation for poor black women in New Orleans. While he was still an infant he went to live with his paternal grandmother, Josephine Armstrong. She worked hard as a laundress. When Louis was five, his sister Beatrice was born and he moved back in with his mother. She continued her carefree habits and would sometimes disappear from home for days at a time. Louis was often left to watch his sister. Louis went to school but like most of the kids in Storyville, he would rather be on the street playing with his friends or scrounging for money. Louis grew up in poverty and he was deprived both emotionally and physically. He went barefoot year-round and he wore oversized hand-me-downs that he got from Mayann’s various boyfriends. Sometimes he had... Free Essays on Louis Armstrong Louis Armstrong â€Å"SATCHMO† Louis Armstrong was the most important and powerful musician in Music history. Although he is often thought of by the public as a lovable, clowning person, a rough-voiced singer who played simple but spectacular trumpet in a New Orleans-styled Dixieland setting, Armstrong was much much more. One of the first soloists on record, Louis was more responsible than anyone else for jazz changing from an ensemble-oriented folk music into an art form that emphasized inventive solo improvisations. His relaxed phrasing was a major change from the staccato style of the early '20s (helping set the stage for the swing era) and Armstrong demonstrated that it was possible to have both impressive style and a strong feeling for the blues. One of jazz's first true stars, his influence over his fellow players was so powerful that nearly every trumpeter to record between 1927 and 1940 sounded to an extent like one of his followers! Louis Armstrong's unique style singing voice was copy by so many of the listeners through the years, he made â€Å"scat singing† popular. By using syllables rhythmically rather than words. It was said, that he was in the studio and his music fell off the stand so he started to make it up, that when scat music was born. His way of talking affected many singers to come up after 1930, including Bing Crosby, Billie Holiday and Frank Sinatra. In addition, Louis Armstrong’s humor and funny ways were popular in jazz with larger audiences. Many teenagers were inspired to take up the trumpet after hearing or seeing him and millions more were introduced to jazz through Armstrong; in later years Louis Armstrong's worldwide tours resulted in him being widely known as "America's goodwill ambassador."(Satchmo, 1998) Louis Armstrong started with t his humble beginnings. Born in New Orleans on Aug. 4, 1901 (until his birth cert...

Object Pronouns vs. Subject Pronouns

Object Pronouns vs. Subject Pronouns Object Pronouns vs. Subject Pronouns Object Pronouns vs. Subject Pronouns By Mark Nichol Using pronouns seems simple enough, but they cause confusion because it’s easy to mix up nominative, or subject, pronouns and object pronouns. Here’s a review of the difference between the two categories of pronoun: A nominative pronoun is one that takes the place of a noun phrase used as a sentence’s subject. Instead of writing, â€Å"The man patiently stood in line,† one could write, â€Å"He stood patiently in line.† An object pronoun, however, replaces a noun phrase employed as an object: If you wished to use a pronoun to refer to a woman who precedes the man in line, you wouldn’t use the equivalent of the pronoun that appears in the second example above (â€Å"The man patiently stood in line behind she†); you’d use a different form (â€Å"The man patiently stood in line behind her†). Pronouns that rename the subject and follow a verb should also be in subject form: â€Å"It is I who have been wronged.† In comparative sentences those in which as or than is used to compare two things should you write, â€Å"I am just as capable as her† or â€Å"I am just as capable as she†? To test the appropriate pronoun form, append a verb to the sentence, and the correct version becomes clear: â€Å"I am just as capable as she is.† (One often hears people saying things like â€Å"I am just as capable as her,† but one often hears things said that are not grammatically rigorous.) Sometimes, the correct choice depends on the meaning of the sentence: Is â€Å"She’s more likely to ask him than I† correct, or should you write, â€Å"She’s more likely to ask him than me†? If the extended sentence is â€Å"She’s more likely to ask him than I am,† in which the comparison is between the subject and the writer, I is correct. However, if the intent is to convey that the man referred to as him is more likely to be asked something by the subject than the writer is, the correct pronoun form is me, but that distinction should be clarified with a revision like â€Å"She’s more likely to ask him than ask me.† Another source of confusion is reflexive pronouns those that reflect back on the subject. Reflexive pronouns include all the compound words ending in -self (for example, myself) or -selves (for example, themselves). Reflexive pronouns should be used only to refer to another word in the sentence. For example, in â€Å"I gave myself a mental pat on the back for a job well done,† myself refers to the subject I. However, in â€Å"The letter was intended for myself,† myself has no referent (the subject is â€Å"the letter†), so the sentence should read, â€Å"The letter was intended for me.† Want to improve your English in five minutes a day? Get a subscription and start receiving our writing tips and exercises daily! Keep learning! Browse the Grammar 101 category, check our popular posts, or choose a related post below:100 Whimsical Words75 Idioms and Expressions That Include â€Å"Break†75 Synonyms for â€Å"Hard†

Podcasts for Training in an Organisational Setting Research Proposal

Podcasts for Training in an Organisational Setting - Research Proposal Example Podcasting offers consumer appeal, ease of use, and accessibility. The term podcasting, for the purpose of this research, refers to a technological tool that is mobile and has the capacity for internet communication, multimedia playback, and storage. A primary example of such a device is the famous iPod by the Apple Company. Although other podcast-enabled devices are available on the market, iPod is currently the preferred podcasting device (Apple 2006). The advance of technology has an obvious impact on the processes we use in an organization or institution. The suggested research will examine the affects of using podcasts for training in an organizational setting to determine its benefits and drawbacks on the training procedure. The following section of the proposal discusses the perceived relevance of the intended research, as it outlines and challenges the ability of the podcasting method to quantifiably enhance training in a given subject area. The second section presents comparable research studies through the literature review which focuses on podcasting in a first part, on the physiological and psychological aspects of learning in a second part. The third section relates to the methodology to follow in order to reach the research objectives outlined in the first section of the proposal. The details of the methodology utilized to test and measure our experiments are presented in that segment. The perspective of training with information-age technology offers a wide range of possibilities in several fields including higher education, medical and healthcare, business and management. Research Question/Why is the Research Important (300 words) Proposed Question: What do employees at my organisation (Boston Scientific) perceive as the benefits of podcasting Researchers forecast between 30 and 57 million people living in the United States will access and use iPod technology by the year 2010 - This estimate gives a general outlook on the advance of podcast-like technology into our everyday lives (Mindlin 2005). The Podcasting technology has enjoyed and continues to enjoy phenomenal growth in our society, particularly in higher education (Campbell 2005). Several institutions of higher education including Drexel and Duke University have recently introduced podcasting as a supplementary learning tool (Duke 2006). These universities embraced the technology as a way to leverage and improve the quality of their training, and the learning benefits of the technology are manifest. Dr. Lucic from Duke University concluded that the iPod initiative at Duke not only encouraged students to "think on their own", but also increased their level of creativity in how to use the technology to facilitate the learning experience (Dalrymple 2006). The adoption of the podcasting technology in these various institutions of h

Please read the second half(starting from chapter 4) of the book ''War Essay

Please read the second half(starting from chapter 4) of the book ''War Is a Force That Gives Us Meaning'' of Chris Hedges and pr - Essay Example I can understand why the media would work with the military and lie or over-sensationalize the war. First, it is easier for them to do what the military tells them to do, rather than put up a fight and face what I can only guess is an unpleasant punishment – or at least a one way ticket home. But the press also has hidden motives: war makes them money. When a war breaks out, like when the USA invaded Afghanistan right after 9/11, people were glued to their TVs. People were watching CNN and all the commercials for products that came on in between the latest war updates. Reporters come back from war and write books – just like Chris Hedges did – that make them money. Why is the media not talking much right now about the war in Afghanistan or the war in Iraq? People grew tired of seeing it on their TVs. The wars have become like a TV show that has been on the air for too long and no one watches it anymore. So the media doesn’t report on it much. Where I canno t really agree with Hedges is his belief that Americans see war as entertainment.

Clinical laboratory science Scholarship Essay Example | Topics and Well Written Essays - 250 words

Clinical laboratory science - Scholarship Essay Example King’s’ mission of preparing graduates intellectually, morally and spiritually for a satisfying future life particularly interests me. My interest in the field of Clinical Laboratory Science started way back in my childhood and is significantly inspired by the family background with parents in the medical field. As a small child I began admiring the work done by my parents of assisting patients and ensuring they lead a quality life. This made me to work hard in school so to attain grades that would enable get a college opportunity to further my studies in the area. The nationwide deficiency of professionals in the area of Clinical Laboratory Science has also contributed significantly as I feel by graduating in the field I will be able to positively impact by helping in the process of saving lives which will give me great satisfaction. I therefore want to be part of the solution and not the problem thus believes as a professional CLS will be better placed to serve and positively influence humanity. I strongly believe in the power of knowledge in transforming society and hence participate actively in extracurricular activities such as club clubs, academic forums and games in which I believe lies opportunity for information exchange. I also participate with the intention of growing holistically and maintaining personal health both physically, mentally and psychologically which I believe is very important to my life especially as a student. I will therefore utilize all available facilities on the campus to enrich my graduate experience and emerge as a responsible person in the

Your father runs a small auto body shop. He has decided to computerize Essay

Your father runs a small auto body shop. He has decided to computerize his records and has asked you to explain the basics of accounting - Essay Example Assets in the balance sheets include money, financial records, notes receivable, catalog, prepaid operating cost, office materials, equipment, apparatus, vehicles, structures, and real estate. The law for asset accounts shows that they ought to augment with a debit entry and reduce with a credit entry. The standard balance for an asset account is debit. The standard balance of any financial credit is the entry type, debit, or credit. This augments the account when saving transactions in the periodicals and redistributing to the ledger. Liabilities, on the other hand, include debts and obligations, which may include accrued expenses, salaries payable and sales tax payable in the balance sheet. For the equation to balance, recording of the liability account increases in an opposite way of the assets. Stakeholders’ equity is the net assets after deductions have been made. The deductions depend on the company. Depending on spending, the stakeholders’ equity either increases or decreases. Income statements reflect on revenue expense activity. In the balance sheet, retained earnings make part of the stakeholders’ equity. These earnings remain after deductions have been made on all the expenses and net income. Journal entries that would affect the balance sheet are any item that is related to assets, owner’s income, and liability. Examples are machinery, creditors, and stakeholders income. Journal entries that would affect the income statement are any expenses, and revenues. Assumptions that have done include entity concepts, principle of reliability, principle of cost, principle of going-concern and the concept of stable-monetary unit (Agtarap-San,

Citrus Electronics Essay Example | Topics and Well Written Essays - 500 words

Citrus Electronics - Essay Example Product delivery entails getting the products to the various customers. This calls for the creation of distribution channels that provide an orderly way of getting the products to various target customers. Delivery and distribution channels provide logistics, transactional efficiency, and facilitate customer satisfaction after they receive their purchases (Ross, 2004). Creation of a local dealer network is necessary for customers who require personalized services from Citrus Electronics as it saves time and costs for both the company and the customer. Selling directly to customers through an e-commerce website and use of a shipment programme can also be used. Developing a specialized sales team that deals directly with customers will establish preferred delivery systems thus enhance customer satisfaction. At the end of sales and purchasing processes, the relationship between the customer and Citrus Electronics is barely over. This is because functions such as repair and maintenance need to be provided by the company for a while longer. As a young company, Citrus Electronics should regard after-sales service as a significant element of enhancing the customer’s trust in the company’s products. As a way of improving after-sales services, company technicians and experts should be available to the customers whenever needed even if it means they have to travel long distances.

Culture Essay Example | Topics and Well Written Essays - 500 words - 1

Culture - Essay Example The cultural characteristics are the nationality of the group members, their age, their socio economic status, race, their profession, their literacy level, their gender as well their ability to learn new developmental changes. The primary characteristics that is important while teaching this group about breast cancer is their language skills, their literacy rate, their profession, their age and their focus on giving considerations to developmental changes. All the other factors are secondary characteristics such as their nationality, their socio economic status and their race. These attributes are significant because they portray as to at what level the audience will absorb the message that is delivered to them. While conducting a teaching session, the background of the audience is required so that the teaching aspects can be delivered accordingly (Montana and Charnov 2008). The literacy level and their language skills are the most important elements as this will show whether they are able to comprehend the message in the lecture. Their profession will depict how well they will grasp the importance of the lecture or the message that is being delivered to them. Breast cancer in females is a very serious problem and its knowledge should be available to all females. While teaching this topic, the female that is 30 years old may be able to understand the lecture well as she is still in the learning and development phase of her life, the woman of age 51 may not learn about the details in such depth as she may have difficulties in the learning and development phase of this issue but on the contrary the women age 53 will understand the topic well as her profession is of a nurse. The teaching approach may be descriptive in nature and the elderly woman may have some difficulties on focusing on the lecture as compared to the middle aged woman. The socio- economic status may not have that high of relevance as all three of them are educated. The